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    HDFC Bank

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    Aakash Atri
    The presentation provides an overview of HDFC Bank and Union Bank. HDFC Bank is a major private sector bank established in 1994, with over 1,700 branches across India. Union Bank is a large state-owned bank with over 1,100 ATMs. Both banks have grown organically and through acquisitions. HDFC Bank focuses on high customer service standards, while Union Bank emphasizes rural expansion and financial inclusion. The document discusses the banks' products, financial performance, strategies and CSR initiatives.

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    HDFC Bank

    Uploaded by

    Aakash Atri
    3K views46 pages
    The presentation provides an overview of HDFC Bank and Union Bank. HDFC Bank is a major private sector bank established in 1994, with over 1,700 branches across India. Union Bank is a large state-owned bank with over 1,100 ATMs. Both banks have grown organically and through acquisitions. HDFC Bank focuses on high customer service standards, while Union Bank emphasizes rural expansion and financial inclusion. The document discusses the banks' products, financial performance, strategies and CSR initiatives.

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    The presentation provides an overview of HDFC Bank and Union Bank. HDFC Bank is a major private sector bank established in 1994, with over 1,700 branches across India. Union Bank is a large state-owned bank with over 1,100 ATMs. Both banks have grown organically and through acquisitions. HDFC Bank focuses on high customer service standards, while Union Bank emphasizes rural expansion and financial inclusion. The document discusses the banks' products, financial performance, strategies and CSR initiatives.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PPT, PDF, TXT or read online from Scribd
    Download as ppt, pdf, or txt
    3K views46 pages

    HDFC Bank

    Uploaded by

    Aakash Atri
    The presentation provides an overview of HDFC Bank and Union Bank. HDFC Bank is a major private sector bank established in 1994, with over 1,700 branches across India. Union Bank is a large state-owned bank with over 1,100 ATMs. Both banks have grown organically and through acquisitions. HDFC Bank focuses on high customer service standards, while Union Bank emphasizes rural expansion and financial inclusion. The document discusses the banks' products, financial performance, strategies and CSR initiatives.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PPT, PDF, TXT or read online from Scribd
    Download as ppt, pdf, or txt
    of 46

    PRESENTATION ON HDFC BANK AND UNION BANK

    BY Prahladsinh jadeja(10039) Yuvrajsinh jadeja(10042) Dhaval kharod(10051) Sachin abda(10001) Pratik Chothani(10020) Akash Atri(10010) Bhvesh Limbachiya(10059)

    ABOUT THE HDFC BANK


    HDFC Bank Limited is a major Indian financial services company based in India, established in August 1994. The Bank was promoted by the Housing Development Finance Corporation, a premier housing finance company. HDFC Bank has 1,725 branches and over 5,000 ATMs, in 780 cities in India.

    MISSION
    World Class Indian Bank Benchmarking against international standards. Best practices in terms of product offerings, technology, service levels, risk management and audit & compliance. To build sound customer franchises across distinct businesses.

    VISION
    The HDFC Bank is committed to maintain the highest level of ethical standards, professional integrity and regulatory compliance. HDFC Banks business philosophy is based on four core values such as:Operational excellence. Customer Focus. Product leadership. People.

    BUSINESS STRATEGY
    Increasing market share in Indias expanding banking. Delivering high quality customer service. Delivering more products to more customers. Maintaining current high standards for asset quality through disciplined credit risk management. Develop innovative products and services that attract targeted customers and address inefficiencies in the Indian financial sector.

    SWOT ANALYSIS

    STRENGTH
    Higher profitability Large share of low-cost deposits, higher net interest margin

    Superior customer service vs. competitors. Great Brand Image High degree of customer satisfaction. Good Service at low cost.

    WEAKNESSES

    Not very aggressive in M&A space, growing only organically High dependence on individual loans.

    OPPORTUNITIE S
    Fast growing insurance business in the country. Untapped rural markets. Could extend to overseas broadly An applied research centre to create opportunities for developing techniques to provide added-value services.

    THREATS
    Risk of fraud and NPA accretion due to increase in interest rates and fall in property prices is inherent to the mortgage business The polices of RBI Very high competition prevailing in the industry Unlike Government Banks, an account needs a minimum balance of Rs.10,000

    Porters Five Forces Model

    HDFC BANK PRODUCT PORTFOLIO


    HDFC Bank mainly provides three kind of banking services: Personal Banking NRI Banking Wholesale Banking

    INTEGRATED FINANCIAL SERVICES

    SECURITISATION

    HDFC CHUBB GENERAL INSURANCE CO. LTD.

    Future Activities

    DISTRIBUTION

    BCG Growth-Share Matrix

    HDFC bank include in the star while union bank of India is in cash cow

    Risk Management and Portfolio Quality


    credit risk:-The Risk Policy and Monitoring Committee of the Board monitors the Banks risk management policies and procedures, vets treasury risk limits before they are considered by the Board, and reviews portfolio composition and impaired credits.

    MARKETING STATERGY
    cross-selling Personal selling Merger strategy Centurion Bank of Punjab

    CORPORATE SOCIAL RESPONSIBILITY


    The major initiatives that your Bank has taken in this direction over the last few years cover the following areas : Education Livelihood training and support Environmental sustainability Employee welfare, health and well being Employee engagement

    EPS RATIO
    YEAR 2006-07 2007-08 2008-09 2009-10 2010-11 EPS IN (Rupees) 43.29 44.87 52.9 67.6 85

    INTERSET SPREAD
    INTERS S READ ) ET P (%
    YEAR 2006-07 2007-08 2008-09 2009-10 2010-11 INTERSET SPREAD 5.47 7.08 6.98
    5 8 7 6

    7.08 5.47

    6.98 5.89

    5.95

    5.89 5.95
    4 3 2 1 0

    INTERSET SPREAD

    2006-072007-082008-092009-102010-11

    RETURN ON NETWORTH(%)
    YEAR 2006-07 2007-08 2008-09 2009-10 2010-11 RETURN ON NETWORTH 23.57 13.83 15.32 13.7 15.7

    CURRENT RATIO
    YEAR 2006-07 2007-08 2008-09 2009-10 2010-11 CURRENT RATIO 0.04 0.04 0.04 0.03 0.06

    QUICK RATIO
    YEAR 2006-07 2007-08 2008-09 2009-10 2010-11 QUICK RATIO 4.07 4.89 5.23 7.14 6.89

    Union Bank Overview


    Union Bank of India (UBI) was registered on 11 November 1919 as a limited company in Mumbai and was inaugurated by Mahatma Gandhi Union Bank of India is one of India 's largest state-owned banks (the government owns 55.43% of its share capital), is listed on the Forbes 2000. It has assets of USD 13.45 billion and all the bank's branches have been networked with its 1135 ATMs.

    Operational Excellence
    FIRST TERM -2006 E-channels Implementation
    Backroom Migration to Cebu Launch of Six Sigma Implementation Electronic Conversion of Notices and Statement of Accounts Branch Management Replacement Team Deployment and Control System Improvements

    SECOND TERM-NOW It involves continuous business process improvement through automation The final/third term In this they will offer their attained efficiencies to their subsidiaries/affiliates and third party companies.

    Mission and vision


    Mission To be the premier financial institution in the Emerging Markets Vision To be the premiere bank, responsive to the needs of our target market customers, recognized for consistently superior service quality and innovative products, thereby delivering superior value to our stakeholders

    Schemes offered by union bank


    Introduction of white card scheme Union gold loan scheme International banking Internet mobile banking Future scheme

    SWOT ANALYSIS
    STRENGHTS Excellent Customer Services Real Time Online Services Innovative IT Technology Seasoned Employees

    WEAKNESSES
    Low Market Share Low Brand Loyalty Lack of Promotional Activities Conflicts Among Employees High Staff Turnover in the Banking Sector

    WEAKNESSES
    Low Market Share Low Brand Loyalty Lack of Promotional Activities Conflicts Among Employees High Staff Turnover in the Banking Sector

    THREATS
    Dominance of Large Local Banks Present market

    MERGER AND ACQUISITION STRTAGY


    complementary strengths of two banks: the financial strength and technological sophistication of Union Bank and the culture of service excellence of iBank.

    Product Strategies
    Augmented Product Augmented Personalized Services

    MERGER AND ACQUISITION STRTAGY


    complementary strengths of two banks: the financial strength and technological sophistication of Union Bank and the culture of service excellence of iBank.

    First mover strategy

    in rural area by giving more agriculture loan

    International strategy of bank


    The Bank is having a correspondent relationship with301 leading international banks at all major international Centers The Bank has entered into Rupee Drawing Arrangement (RDA) with 23 International Banks and 14Exchange Houses in the Middle East. The Bank has also introduced an internet-based 'On-line Remittance Product' for NRIs in U.K and U.S.A as well as for Exchange Houses in Middle East.

    CORPORATE SOCIAL RESPONSIBILITY statergy


    It has introduced a Management Education Programme on the lines of the MBA programme offered by the IIMs

    Expansion strategy
    By completing four project of recruitment

    Risk Management
    Credit Risk Management Committee (CRMC) deals with issues relating to creditpolicy and procedures Asset-Liability Management Committee (ALM) decision-making unitresponsible for balance sheet planning from ariskreturn perspective, including the strategicmanagement of market risk

    Cont
    Operational Risk Management Committee(ORMC) responsible foroverseeing Bank's operational risk management and new product approval processes.

    Non performing asset management


    By making effective use of the conducive legal environment like invoking provisions of Securitisation Act (SARFAESIA), It has put in place a revamped and more stringent Credit Monitoring Mechanism last year which enabled identification of impairment / weakness in borrowal accounts at an early stage, analyze the reasons and initiate swift corrective measures so as

    Year 2007 2008 2009 2010 2011

    Earning per share 16.74 27.46 34.18 41.08 39.71

    Year 2007 2008 2009 2010 2011

    Return on net worth(%) 19.16 24.66 24.47 23.55 18.79

    Year 2007 2008 2009 2010 2011

    Current ratio 0.02 0.02 0.03 0.03 0.03

    Year 2007 2008 2009 2010 2011

    Current ratio 8.82 10.78 11.26 26.65 23.22

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